Cinch home warranty

home warranty may be used to cover the repairs and maintenance of certain appliances in your house. Contrary to what you might think, the best house insurance companies will not cover these types of repairs. Most home warranty service contracts come with a monthly premium or an annual premium and are for a set amount of time.

Home warranties can be more cost-effective than buying a loan to fix your appliances. You may be able to avoid taking out a loan for large-ticket items that fail in your home.

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Cinch Home Services Overview

Cinch offers a variety of protection plans, and access to a nationwide network of service professionals, and guarantees the workmanship for all repairs for a period of 180 days.

There are three service packages to choose from and you can also select deductible amounts.

Coverage for rust, corrosion, and other pre-existing conditions is available.

Online reviews suggest that the company might not respond to service requests promptly.

There are limitations and exceptions.

Call fees for service calls are $100 to $150 more than the industry average.

We’ll be taking a closer look at Cinch’s plans below to help you decide whether this home warranty service is right for you.

Cinch Home Warranty Services

Cinch offers three home warranty plans. Although the company is headquartered in Boca Raton in Florida, it offers services in 48 US states (unavailable Alaska and Hawaii).

What Cinch has to offer

Cinch offers three types of warranty protection plans for home appliances, systems, and computers. All come with a workmanship guarantee. 

The Appliance Plan

Cinch’s appliance warranty plan, which covers only household appliances, is the cheapest of the three. The cost of the monthly service fee depends on where the property is situated. The following appliances are covered by this plan:

The Home Systems Plan

This plan, as the name implies, covers all built-in home systems. This covers systems such as plumbing, heating, ventilation, and air conditioning (HVAC). This plan has a monthly service fee of $32.99.

Be aware that some parts of the home systems warranty plan might not be considered appliances. Check your service contract to see exactly what coverage this plan provides. This coverage includes:

The Complete Home Plan

Cinch’s Complete Home Warranty plan includes all components of the Appliance and Home Systems plans, as well as additional benefits. Monthly service fees start at $39.99

The monthly service fee for an Austin home measuring 2,345 sq. feet is approximately $68 at the lowest level.

This home protection plan may allow you to receive sump pump coverage and a homeowners insurance reimbursement of up $500.

Additional coverage options are available as part of the company’s premier upgrade package.

There are some limitations and exceptions. Your monthly premium will be determined by whether you choose a $100, $125, or $150 deductible. Cinch’s plans also include a $50 Green Reward for energy-efficient upgrades after the first payment. The company also offers a $25 credit towards an A/C or water filter.

Each home appliance and built-in system covered by Cinch Home warranty comes with a claim cap. ACs can only be claimed for $1,000, while home heating systems are limited to $1,500. Cinch will not accept any liability claims exceeding $2,000 per incident when repairing kitchen appliances.

To fully understand your coverage, make sure you read the home service agreement. This will allow you to understand your benefits as well as other relevant information such as what invalidates a home warranty.

What Cinch does not offer

Cinch’s home warranty does not cover:

Exhaust lines, vents, and chimneys.

Home appliances and systems can be neglected or mishandled.

Excessive water pressure can cause damage.

Pets, pests, and natural disasters such as floods can cause damage.

Remodeling or unauthorized repairs may cause damage.

Problems relating to mold, fungus, and wet/dry rot.

Removal of asbestos and other hazardous materials.

Cinch does not offer services for tenant-occupied units or properties.

Credentials of Cinch

Cross Country Home Services was the former name of Cinch Home Services. To rebrand and improve service, the company changed its name to Cinch Home Services in October 2019. Cinch has over 40 years of home warranty experience, making it one of the most trusted home warranty companies in the country. Cinch is a rapidly-growing company with nearly a million customers and more than a thousand service requests each year.

Certificates and awards

Cinch has been accredited by Consumer Affairs (BBB) and the Better Business Bureau. Cinch has also won 41 Stevie Awards for customer service excellence and sales. Other awards include:

South Florida Good to Great Award.

SFBJ’s Fastest Growing Companies Award.

Top 100 Private Company Award.

America’s Fastest Growing Private Company Award.

Legal or regulatory actions

We found no regulatory or legal action against Cinch as of the time this article was written.

While we try to provide accurate and current information about regulatory and legal actions, this information may not be complete or up-to-date. We recommend that you conduct your own research, as always.

Accessibility to Cinch

Cinch has a network of service providers located all over the US. It is possible to access its services online or by calling. The company is open seven days a semaine, 24 hours a year.

Contact information

Cinch can be reached 24/7 via 855-435-0489 and email at You can also access the company online or get a quote by completing a quick form on its website, can be reached between 8 a.m. and 5 p.m. by calling (844)627-6003.

User experience

Clients of Cinch can request quotes and services through the company’s website. Online access allows clients to submit claims, manage their requests, and access other features.

Customer complaints

Cinch is a Better Business Bureau member accredited with a rating of B. Cinch Home Services reviews tend to be positive. Some customers have complained about common problems like technicians not showing up to repair or replace appliances correctly. Some customers have had to wait for long periods of time before they can get their appliances repaired or replaced.

How we evaluated Cinch’s Home Warranty Service

Our review of Cinch Home Warranty was based on many factors. We used publicly available information from third-party sources as well as the company’s website to determine key elements such as response times and availability in an emergency. It was also important to note that coverage limits are crucial.

We also looked at cost as a major consideration. We compared monthly costs to see if there was any flexibility in terms of fees and deductibles.

We also researched consumer review sites like Trustpilot and Better Business Bureau, as well as consumer advocacy websites like the Consumer Financial Protection Bureau and relevant industry watchdog reports.